Home > First United Bank > Performance and Condition Ratios
First United Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 6,833 |
| Cost of funding earning assets | 0.5804% | 5,074 |
| Net interest margin | 2.6914% | 6,719 |
| Noninterest income to average assets | 0.5754% | 3,410 |
| Noninterest expense to average assets | 3.3404% | 2,182 |
| Loan and lease loss provision to assets | 1.9565% | 153 |
| Net operating income to assets | -2.4104% | 7,116 |
| Return on assets (ROA) | -2.2901% | 7,112 |
| Pretax return on assets | -2.2965% | 7,098 |
| Return on Equity (ROE) | -90.8881% | 7,203 |
| Retained earnings to average equity (ytd only) | -90.8881% | 7,199 |
| Net charge-offs to loans | 1.0768% | 1,015 |
| Credit loss provision to net charge-offs | 335.5932% | 876 |
| Earnings coverage of net charge-offs (x) | -0.7896% | 5,276 |
| Efficiency ratio | 115.9839% | 254 |
| Assets per employee ($millions) | 3.5314% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2619% | 15 |
| Loan loss allowance to noncurrent loans | 51.8802% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 15.4499% | 92 |
| Noncurrent loans to loans | 19.7800% | 48 |
| Net loans and leases to total assets | 47.4247% | 5,669 |
| Net loans and leases to deposits | 49.1525% | 6,230 |
| Net loans and leases to core deposits | 50.4915% | 6,317 |
| Total domestic deposits to total assets | 96.4847% | 28 |
| Equity capital to assets | 2.1268% | 7,219 |
| Core capital (leverage) ratio | 2.0784% | 7,216 |
| Tier 1 risk-based capital ratio | 3.7232% | 7,193 |
| Total risk-based capital ratio | 5.0750% | 7,193 |
| Memoranda: | ||
| Average total assets | $344,088,330 | 1,897 |
| Average earning assets | $294,643,330 | 2,018 |
| Average equity | $8,670,000 | 5,367 |
| Average total loans | $186,293,330 | 2,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 6,880 |
| Cost of funding earning assets | 0.6216% | 4,952 |
| Net interest margin | 2.7020% | 6,768 |
| Noninterest income to average assets | 0.6285% | 3,064 |
| Noninterest expense to average assets | 3.3371% | 2,181 |
| Loan and lease loss provision to assets | 2.9427% | 75 |
| Net operating income to assets | -3.3292% | 7,238 |
| Return on assets (ROA) | -3.3223% | 7,238 |
| Pretax return on assets | -3.3223% | 7,225 |
| Return on Equity (ROE) | -122.9120% | 7,276 |
| Retained earnings to average equity (ytd only) | -122.9120% | 7,272 |
| Net charge-offs to loans | 1.2353% | 824 |
| Credit loss provision to net charge-offs | 435.1261% | 739 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 4,512 |
| Efficiency ratio | 113.0971% | 300 |
| Assets per employee ($millions) | 3.6754% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3899% | 17 |
| Loan loss allowance to noncurrent loans | 65.2330% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 12.6020% | 180 |
| Noncurrent loans to loans | 14.3945% | 134 |
| Net loans and leases to total assets | 48.2034% | 5,531 |
| Net loans and leases to deposits | 50.0195% | 6,138 |
| Net loans and leases to core deposits | 51.6182% | 6,231 |
| Total domestic deposits to total assets | 96.3693% | 31 |
| Equity capital to assets | 2.3161% | 7,267 |
| Core capital (leverage) ratio | 2.2860% | 7,265 |
| Tier 1 risk-based capital ratio | 4.0548% | 7,245 |
| Total risk-based capital ratio | 5.3984% | 7,245 |
| Memoranda: | ||
| Average total assets | $351,921,500 | 1,879 |
| Average earning assets | $302,444,000 | 1,970 |
| Average equity | $9,512,500 | 5,166 |
| Average total loans | $192,658,000 | 2,104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 6,503 |
| Cost of funding earning assets | 0.8389% | 4,554 |
| Net interest margin | 3.1350% | 6,258 |
| Noninterest income to average assets | 0.2166% | 5,973 |
| Noninterest expense to average assets | 2.9895% | 3,629 |
| Loan and lease loss provision to assets | 2.3606% | 201 |
| Net operating income to assets | -2.4897% | 7,116 |
| Return on assets (ROA) | -1.8642% | 7,017 |
| Pretax return on assets | -1.7741% | 6,969 |
| Return on Equity (ROE) | -45.8333% | 7,190 |
| Retained earnings to average equity (ytd only) | -45.8333% | 7,186 |
| Net charge-offs to loans | 4.2062% | 135 |
| Credit loss provision to net charge-offs | 96.9658% | 3,716 |
| Earnings coverage of net charge-offs (x) | -0.0160% | 5,839 |
| Efficiency ratio | 101.3228% | 638 |
| Assets per employee ($millions) | 3.7334% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7409% | 35 |
| Loan loss allowance to noncurrent loans | 45.8167% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 12.8658% | 177 |
| Noncurrent loans to loans | 16.8953% | 92 |
| Net loans and leases to total assets | 51.9109% | 5,325 |
| Net loans and leases to deposits | 54.3781% | 6,032 |
| Net loans and leases to core deposits | 56.1895% | 6,144 |
| Total domestic deposits to total assets | 95.4629% | 47 |
| Equity capital to assets | 3.0839% | 7,273 |
| Core capital (leverage) ratio | 3.0129% | 7,267 |
| Tier 1 risk-based capital ratio | 5.3409% | 7,230 |
| Total risk-based capital ratio | 6.6688% | 7,229 |
| Memoranda: | ||
| Average total assets | $381,765,400 | 1,694 |
| Average earning assets | $332,922,600 | 1,781 |
| Average equity | $15,528,000 | 3,810 |
| Average total loans | $220,959,400 | 1,869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 6,434 |
| Cost of funding earning assets | 0.8736% | 4,612 |
| Net interest margin | 3.2165% | 6,122 |
| Noninterest income to average assets | 0.1026% | 6,743 |
| Noninterest expense to average assets | 2.9831% | 3,617 |
| Loan and lease loss provision to assets | 2.6423% | 156 |
| Net operating income to assets | -2.7261% | 7,244 |
| Return on assets (ROA) | -2.4666% | 7,213 |
| Pretax return on assets | -2.4570% | 7,200 |
| Return on Equity (ROE) | -57.4721% | 7,311 |
| Retained earnings to average equity (ytd only) | -57.4721% | 7,308 |
| Net charge-offs to loans | 5.4821% | 74 |
| Credit loss provision to net charge-offs | 82.7512% | 4,048 |
| Earnings coverage of net charge-offs (x) | -0.0232% | 5,618 |
| Efficiency ratio | 102.5481% | 593 |
| Assets per employee ($millions) | 3.9541% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6683% | 55 |
| Loan loss allowance to noncurrent loans | 42.1239% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 12.2035% | 221 |
| Noncurrent loans to loans | 15.8302% | 120 |
| Net loans and leases to total assets | 52.6299% | 5,370 |
| Net loans and leases to deposits | 55.9276% | 6,041 |
| Net loans and leases to core deposits | 59.4731% | 6,029 |
| Total domestic deposits to total assets | 94.1036% | 76 |
| Equity capital to assets | 3.2997% | 7,352 |
| Core capital (leverage) ratio | 2.8413% | 7,356 |
| Tier 1 risk-based capital ratio | 4.8229% | 7,330 |
| Total risk-based capital ratio | 6.1351% | 7,329 |
| Memoranda: | ||
| Average total assets | $388,537,500 | 1,678 |
| Average earning assets | $338,990,500 | 1,762 |
| Average equity | $16,675,500 | 3,633 |
| Average total loans | $226,308,250 | 1,846 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 6,435 |
| Cost of funding earning assets | 0.9008% | 4,666 |
| Net interest margin | 3.2229% | 6,090 |
| Noninterest income to average assets | 0.5840% | 3,239 |
| Noninterest expense to average assets | 2.9289% | 3,904 |
| Loan and lease loss provision to assets | 1.2473% | 613 |
| Net operating income to assets | -0.7942% | 6,868 |
| Return on assets (ROA) | -0.7128% | 6,833 |
| Pretax return on assets | -0.6985% | 6,769 |
| Return on Equity (ROE) | -15.4676% | 7,075 |
| Retained earnings to average equity (ytd only) | -15.4676% | 7,049 |
| Net charge-offs to loans | 2.3657% | 529 |
| Credit loss provision to net charge-offs | 89.6123% | 3,460 |
| Earnings coverage of net charge-offs (x) | 0.3358% | 5,063 |
| Efficiency ratio | 86.2389% | 1,580 |
| Assets per employee ($millions) | 4.0938% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9125% | 56 |
| Loan loss allowance to noncurrent loans | 40.8895% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 13.3655% | 196 |
| Noncurrent loans to loans | 16.9053% | 101 |
| Net loans and leases to total assets | 53.4836% | 5,367 |
| Net loans and leases to deposits | 57.9502% | 5,942 |
| Net loans and leases to core deposits | 61.4177% | 5,953 |
| Total domestic deposits to total assets | 92.2923% | 185 |
| Equity capital to assets | 4.6286% | 7,346 |
| Core capital (leverage) ratio | 4.3432% | 7,354 |
| Tier 1 risk-based capital ratio | 7.0241% | 7,309 |
| Total risk-based capital ratio | 8.3391% | 7,309 |
| Memoranda: | ||
| Average total assets | $392,837,330 | 1,671 |
| Average earning assets | $342,795,670 | 1,749 |
| Average equity | $18,102,330 | 3,399 |
| Average total loans | $231,136,670 | 1,840 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 6,281 |
| Cost of funding earning assets | 0.9473% | 4,589 |
| Net interest margin | 3.2517% | 5,917 |
| Noninterest income to average assets | 0.6484% | 2,860 |
| Noninterest expense to average assets | 2.9949% | 3,663 |
| Loan and lease loss provision to assets | 1.3171% | 518 |
| Net operating income to assets | -0.8541% | 6,985 |
| Return on assets (ROA) | -0.8541% | 6,989 |
| Pretax return on assets | -0.8257% | 6,933 |
| Return on Equity (ROE) | -18.5754% | 7,200 |
| Retained earnings to average equity (ytd only) | -18.5754% | 7,129 |
| Net charge-offs to loans | 1.0435% | 1,310 |
| Credit loss provision to net charge-offs | 212.0718% | 1,416 |
| Earnings coverage of net charge-offs (x) | 0.7912% | 4,047 |
| Efficiency ratio | 85.9053% | 1,726 |
| Assets per employee ($millions) | 4.1892% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1626% | 55 |
| Loan loss allowance to noncurrent loans | 49.9711% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 12.1196% | 262 |
| Noncurrent loans to loans | 14.3335% | 173 |
| Net loans and leases to total assets | 54.6180% | 5,220 |
| Net loans and leases to deposits | 59.2368% | 5,797 |
| Net loans and leases to core deposits | 61.9566% | 5,933 |
| Total domestic deposits to total assets | 92.2029% | 241 |
| Equity capital to assets | 4.5455% | 7,406 |
| Core capital (leverage) ratio | 4.3307% | 7,406 |
| Tier 1 risk-based capital ratio | 7.0878% | 7,357 |
| Total risk-based capital ratio | 8.4060% | 7,358 |
| Memoranda: | ||
| Average total assets | $394,800,000 | 1,676 |
| Average earning assets | $344,553,000 | 1,748 |
| Average equity | $18,153,000 | 3,378 |
| Average total loans | $234,980,000 | 1,830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 6,543 |
| Cost of funding earning assets | 1.2988% | 3,886 |
| Net interest margin | 3.1406% | 6,415 |
| Noninterest income to average assets | 0.1755% | 6,481 |
| Noninterest expense to average assets | 2.9447% | 4,056 |
| Loan and lease loss provision to assets | 3.0329% | 309 |
| Net operating income to assets | -2.9959% | 7,294 |
| Return on assets (ROA) | -2.9699% | 7,309 |
| Pretax return on assets | -2.9758% | 7,287 |
| Return on Equity (ROE) | -49.8359% | 7,421 |
| Retained earnings to average equity (ytd only) | -49.8359% | 7,417 |
| Net charge-offs to loans | 1.3209% | 1,692 |
| Credit loss provision to net charge-offs | 360.3583% | 708 |
| Earnings coverage of net charge-offs (x) | 0.0370% | 6,082 |
| Efficiency ratio | 98.9549% | 824 |
| Assets per employee ($millions) | 4.3479% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5336% | 79 |
| Loan loss allowance to noncurrent loans | 49.1901% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 11.5940% | 303 |
| Noncurrent loans to loans | 13.2824% | 218 |
| Net loans and leases to total assets | 56.2553% | 5,302 |
| Net loans and leases to deposits | 61.3749% | 5,916 |
| Net loans and leases to core deposits | 65.6189% | 5,915 |
| Total domestic deposits to total assets | 91.6584% | 355 |
| Equity capital to assets | 4.6492% | 7,466 |
| Core capital (leverage) ratio | 4.3801% | 7,471 |
| Tier 1 risk-based capital ratio | 6.9286% | 7,429 |
| Total risk-based capital ratio | 8.2377% | 7,429 |
| Memoranda: | ||
| Average total assets | $424,418,200 | 1,567 |
| Average earning assets | $378,435,800 | 1,592 |
| Average equity | $25,293,000 | 2,521 |
| Average total loans | $270,429,000 | 1,649 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 6,500 |
| Cost of funding earning assets | 1.3518% | 3,888 |
| Net interest margin | 3.1873% | 6,384 |
| Noninterest income to average assets | 0.2985% | 5,753 |
| Noninterest expense to average assets | 2.8306% | 4,346 |
| Loan and lease loss provision to assets | 2.6789% | 367 |
| Net operating income to assets | -2.3580% | 7,314 |
| Return on assets (ROA) | -2.3292% | 7,325 |
| Pretax return on assets | -2.3292% | 7,276 |
| Return on Equity (ROE) | -37.1853% | 7,467 |
| Retained earnings to average equity (ytd only) | -37.1853% | 7,464 |
| Net charge-offs to loans | 1.6992% | 1,154 |
| Credit loss provision to net charge-offs | 244.2813% | 1,375 |
| Earnings coverage of net charge-offs (x) | 0.2926% | 5,735 |
| Efficiency ratio | 89.8192% | 1,310 |
| Assets per employee ($millions) | 4.6094% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5164% | 246 |
| Loan loss allowance to noncurrent loans | 56.7892% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 8.6940% | 538 |
| Noncurrent loans to loans | 7.9529% | 657 |
| Net loans and leases to total assets | 58.8054% | 5,134 |
| Net loans and leases to deposits | 66.0885% | 5,660 |
| Net loans and leases to core deposits | 70.7036% | 5,681 |
| Total domestic deposits to total assets | 88.9798% | 1,395 |
| Equity capital to assets | 5.8971% | 7,501 |
| Core capital (leverage) ratio | 5.4867% | 7,500 |
| Tier 1 risk-based capital ratio | 8.2370% | 7,454 |
| Total risk-based capital ratio | 9.5231% | 7,457 |
| Memoranda: | ||
| Average total assets | $430,521,000 | 1,570 |
| Average earning assets | $385,355,250 | 1,585 |
| Average equity | $26,967,000 | 2,417 |
| Average total loans | $277,847,500 | 1,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 6,544 |
| Cost of funding earning assets | 1.4059% | 3,842 |
| Net interest margin | 3.1600% | 6,432 |
| Noninterest income to average assets | 0.4498% | 4,519 |
| Noninterest expense to average assets | 2.7984% | 4,486 |
| Loan and lease loss provision to assets | 3.6948% | 225 |
| Net operating income to assets | -3.1867% | 7,532 |
| Return on assets (ROA) | -3.1509% | 7,533 |
| Pretax return on assets | -3.1509% | 7,494 |
| Return on Equity (ROE) | -49.3861% | 7,605 |
| Retained earnings to average equity (ytd only) | -49.3861% | 7,600 |
| Net charge-offs to loans | 2.0624% | 879 |
| Credit loss provision to net charge-offs | 273.6234% | 1,364 |
| Earnings coverage of net charge-offs (x) | 0.3763% | 5,362 |
| Efficiency ratio | 84.6335% | 1,852 |
| Assets per employee ($millions) | 4.3425% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4267% | 268 |
| Loan loss allowance to noncurrent loans | 103.9362% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 6.9013% | 774 |
| Noncurrent loans to loans | 4.2591% | 1,748 |
| Net loans and leases to total assets | 59.7605% | 5,111 |
| Net loans and leases to deposits | 68.2347% | 5,535 |
| Net loans and leases to core deposits | 73.1871% | 5,534 |
| Total domestic deposits to total assets | 87.5808% | 2,212 |
| Equity capital to assets | 5.6458% | 7,579 |
| Core capital (leverage) ratio | 5.2087% | 7,580 |
| Tier 1 risk-based capital ratio | 7.7521% | 7,542 |
| Total risk-based capital ratio | 9.0364% | 7,548 |
| Memoranda: | ||
| Average total assets | $435,745,330 | 1,563 |
| Average earning assets | $393,924,330 | 1,574 |
| Average equity | $27,801,330 | 2,346 |
| Average total loans | $285,299,330 | 1,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 6,731 |
| Cost of funding earning assets | 1.4989% | 3,565 |
| Net interest margin | 3.0302% | 6,766 |
| Noninterest income to average assets | 0.5831% | 3,387 |
| Noninterest expense to average assets | 2.7935% | 4,502 |
| Loan and lease loss provision to assets | 0.4043% | 2,943 |
| Net operating income to assets | 0.1590% | 5,825 |
| Return on assets (ROA) | 0.2094% | 5,770 |
| Pretax return on assets | 0.2094% | 5,851 |
| Return on Equity (ROE) | 3.1135% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.1135% | 4,274 |
| Net charge-offs to loans | 0.1855% | 3,810 |
| Credit loss provision to net charge-offs | 326.0870% | 1,213 |
| Earnings coverage of net charge-offs (x) | 4.5435% | 2,608 |
| Efficiency ratio | 83.2173% | 2,115 |
| Assets per employee ($millions) | 4.1818% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3008% | 1,577 |
| Loan loss allowance to noncurrent loans | 22.1857% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 7.3068% | 714 |
| Noncurrent loans to loans | 10.3705% | 399 |
| Net loans and leases to total assets | 65.8276% | 3,901 |
| Net loans and leases to deposits | 75.8616% | 4,440 |
| Net loans and leases to core deposits | 81.9224% | 4,499 |
| Total domestic deposits to total assets | 86.7734% | 2,752 |
| Equity capital to assets | 6.9306% | 7,402 |
| Core capital (leverage) ratio | 6.6243% | 7,424 |
| Tier 1 risk-based capital ratio | 9.5260% | 7,293 |
| Total risk-based capital ratio | 10.7875% | 7,279 |
| Memoranda: | ||
| Average total assets | $445,178,500 | 1,573 |
| Average earning assets | $407,494,000 | 1,557 |
| Average equity | $29,934,000 | 2,218 |
| Average total loans | $297,615,000 | 1,578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 6,608 |
| Cost of funding earning assets | 1.9933% | 2,990 |
| Net interest margin | 2.9495% | 6,756 |
| Noninterest income to average assets | 0.6414% | 3,349 |
| Noninterest expense to average assets | 2.7078% | 5,353 |
| Loan and lease loss provision to assets | 2.5823% | 758 |
| Net operating income to assets | -2.1024% | 7,129 |
| Return on assets (ROA) | -1.9984% | 7,092 |
| Pretax return on assets | -1.8446% | 6,878 |
| Return on Equity (ROE) | -28.2043% | 7,368 |
| Retained earnings to average equity (ytd only) | -30.1432% | 7,389 |
| Net charge-offs to loans | 2.9855% | 712 |
| Credit loss provision to net charge-offs | 122.6194% | 4,314 |
| Earnings coverage of net charge-offs (x) | 0.3009% | 5,817 |
| Efficiency ratio | 81.0348% | 2,743 |
| Assets per employee ($millions) | 4.1031% | 3,605 |
| Cash dividends to net income (ytd only)* | -6.8745% | 7,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 1,778 |
| Loan loss allowance to noncurrent loans | 26.0757% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 5.7192% | 1,007 |
| Noncurrent loans to loans | 8.1599% | 608 |
| Net loans and leases to total assets | 64.9399% | 4,382 |
| Net loans and leases to deposits | 74.7814% | 4,911 |
| Net loans and leases to core deposits | 93.4481% | 4,734 |
| Total domestic deposits to total assets | 86.8397% | 2,590 |
| Equity capital to assets | 6.5268% | 7,556 |
| Core capital (leverage) ratio | 6.2453% | 7,573 |
| Tier 1 risk-based capital ratio | 9.1425% | 7,405 |
| Total risk-based capital ratio | 10.4039% | 7,409 |
| Memoranda: | ||
| Average total assets | $470,233,800 | 1,478 |
| Average earning assets | $430,486,400 | 1,474 |
| Average equity | $33,317,600 | 2,013 |
| Average total loans | $331,698,400 | 1,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 6,185 |
| Cost of funding earning assets | 2.0841% | 2,966 |
| Net interest margin | 3.0408% | 6,492 |
| Noninterest income to average assets | 0.6411% | 3,413 |
| Noninterest expense to average assets | 2.6096% | 5,680 |
| Loan and lease loss provision to assets | 2.6532% | 607 |
| Net operating income to assets | -2.1069% | 7,361 |
| Return on assets (ROA) | -1.9521% | 7,295 |
| Pretax return on assets | -1.6852% | 7,042 |
| Return on Equity (ROE) | -27.0397% | 7,549 |
| Retained earnings to average equity (ytd only) | -29.5570% | 7,587 |
| Net charge-offs to loans | 2.6924% | 673 |
| Credit loss provision to net charge-offs | 137.7392% | 3,593 |
| Earnings coverage of net charge-offs (x) | 0.4222% | 5,608 |
| Efficiency ratio | 76.2390% | 3,464 |
| Assets per employee ($millions) | 4.1944% | 3,387 |
| Cash dividends to net income (ytd only)* | -9.3097% | 7,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 1,509 |
| Loan loss allowance to noncurrent loans | 27.6659% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 5.4938% | 1,039 |
| Noncurrent loans to loans | 7.7585% | 651 |
| Net loans and leases to total assets | 65.1551% | 4,613 |
| Net loans and leases to deposits | 75.2492% | 5,171 |
| Net loans and leases to core deposits | 95.9378% | 4,822 |
| Total domestic deposits to total assets | 86.5858% | 2,385 |
| Equity capital to assets | 6.8627% | 7,661 |
| Core capital (leverage) ratio | 6.6811% | 7,594 |
| Tier 1 risk-based capital ratio | 9.4544% | 7,403 |
| Total risk-based capital ratio | 10.7140% | 7,363 |
| Memoranda: | ||
| Average total assets | $473,930,500 | 1,481 |
| Average earning assets | $433,559,250 | 1,472 |
| Average equity | $34,215,500 | 1,986 |
| Average total loans | $339,073,750 | 1,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 5,768 |
| Cost of funding earning assets | 2.2084% | 2,756 |
| Net interest margin | 3.0669% | 6,345 |
| Noninterest income to average assets | 0.6989% | 3,002 |
| Noninterest expense to average assets | 2.6351% | 5,605 |
| Loan and lease loss provision to assets | 3.9800% | 313 |
| Net operating income to assets | -3.1166% | 7,698 |
| Return on assets (ROA) | -2.9267% | 7,659 |
| Pretax return on assets | -2.9267% | 7,556 |
| Return on Equity (ROE) | -39.8812% | 7,847 |
| Retained earnings to average equity (ytd only) | -42.7220% | 7,854 |
| Net charge-offs to loans | 0.8844% | 1,927 |
| Credit loss provision to net charge-offs | 614.7979% | 751 |
| Earnings coverage of net charge-offs (x) | 1.3338% | 4,520 |
| Efficiency ratio | 75.3197% | 3,823 |
| Assets per employee ($millions) | 4.1352% | 3,425 |
| Cash dividends to net income (ytd only)* | -7.1233% | 7,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6162% | 343 |
| Loan loss allowance to noncurrent loans | 63.6359% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 4.2873% | 1,347 |
| Noncurrent loans to loans | 5.6827% | 1,001 |
| Net loans and leases to total assets | 68.9423% | 3,957 |
| Net loans and leases to deposits | 80.1080% | 4,529 |
| Net loans and leases to core deposits | 103.5865% | 4,108 |
| Total domestic deposits to total assets | 86.0617% | 2,755 |
| Equity capital to assets | 6.4777% | 7,826 |
| Core capital (leverage) ratio | 6.2308% | 7,875 |
| Tier 1 risk-based capital ratio | 8.0794% | 7,903 |
| Total risk-based capital ratio | 9.3568% | 7,923 |
| Memoranda: | ||
| Average total assets | $473,917,670 | 1,500 |
| Average earning assets | $432,625,000 | 1,491 |
| Average equity | $34,778,330 | 1,951 |
| Average total loans | $346,902,000 | 1,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 5,384 |
| Cost of funding earning assets | 2.3712% | 2,409 |
| Net interest margin | 3.0366% | 6,388 |
| Noninterest income to average assets | 0.7150% | 2,792 |
| Noninterest expense to average assets | 2.6695% | 5,152 |
| Loan and lease loss provision to assets | 0.2514% | 3,960 |
| Net operating income to assets | 0.4856% | 4,488 |
| Return on assets (ROA) | 0.5029% | 4,596 |
| Pretax return on assets | 0.5834% | 4,809 |
| Return on Equity (ROE) | 6.4807% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.0180% | 3,667 |
| Net charge-offs to loans | 0.5503% | 2,081 |
| Credit loss provision to net charge-offs | 61.7284% | 4,484 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,720 |
| Efficiency ratio | 76.6178% | 3,383 |
| Assets per employee ($millions) | 4.0253% | 3,611 |
| Cash dividends to net income (ytd only)* | 38.0000% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,171 |
| Loan loss allowance to noncurrent loans | 25.1287% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 3.3833% | 1,610 |
| Noncurrent loans to loans | 4.5479% | 1,261 |
| Net loans and leases to total assets | 73.5433% | 2,878 |
| Net loans and leases to deposits | 86.8790% | 3,500 |
| Net loans and leases to core deposits | 114.1725% | 2,994 |
| Total domestic deposits to total assets | 84.6503% | 3,390 |
| Equity capital to assets | 7.9218% | 6,929 |
| Core capital (leverage) ratio | 7.5510% | 7,091 |
| Tier 1 risk-based capital ratio | 9.1298% | 7,719 |
| Total risk-based capital ratio | 10.3451% | 7,751 |
| Memoranda: | ||
| Average total assets | $477,235,500 | 1,498 |
| Average earning assets | $435,219,000 | 1,489 |
| Average equity | $37,033,000 | 1,849 |
| Average total loans | $353,232,000 | 1,427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 6,759 |
| Cost of funding earning assets | 2.8481% | 2,486 |
| Net interest margin | 2.8578% | 7,240 |
| Noninterest income to average assets | 0.6497% | 3,479 |
| Noninterest expense to average assets | 2.4860% | 6,067 |
| Loan and lease loss provision to assets | 2.6367% | 382 |
| Net operating income to assets | -0.9824% | 7,242 |
| Return on assets (ROA) | -1.0160% | 7,178 |
| Pretax return on assets | -1.9012% | 7,407 |
| Return on Equity (ROE) | -12.2903% | 7,441 |
| Retained earnings to average equity (ytd only) | -16.5020% | 7,543 |
| Net charge-offs to loans | 3.4988% | 224 |
| Credit loss provision to net charge-offs | 101.8642% | 5,230 |
| Earnings coverage of net charge-offs (x) | 0.3044% | 6,053 |
| Efficiency ratio | 75.9328% | 3,244 |
| Assets per employee ($millions) | 3.9310% | 3,655 |
| Cash dividends to net income (ytd only)* | -34.2685% | 8,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 4,725 |
| Loan loss allowance to noncurrent loans | 24.7110% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 3.5068% | 1,269 |
| Noncurrent loans to loans | 4.7615% | 966 |
| Net loans and leases to total assets | 72.7823% | 3,420 |
| Net loans and leases to deposits | 86.6873% | 4,007 |
| Net loans and leases to core deposits | 115.2294% | 3,213 |
| Total domestic deposits to total assets | 83.9596% | 3,339 |
| Equity capital to assets | 7.6022% | 7,301 |
| Core capital (leverage) ratio | 7.5743% | 7,113 |
| Tier 1 risk-based capital ratio | 8.9695% | 7,802 |
| Total risk-based capital ratio | 10.0011% | 8,009 |
| Memoranda: | ||
| Average total assets | $491,152,400 | 1,387 |
| Average earning assets | $451,007,600 | 1,377 |
| Average equity | $40,601,200 | 1,651 |
| Average total loans | $363,355,600 | 1,335 |